Search found 844 matches

by snailderby
Thu May 21, 2020 9:10 pm
Forum: Personal Consumer Issues
Topic: Email for young teen with ability to auto delete nasty spam
Replies: 32
Views: 2099

Re: Email for young teen with ability to auto delete nasty spam

1. I'm sorry your daughter has to deal with this. 2. Can she create a new email address and forward all the email from the old email address (minus the spam) to the new account? Then she can log in to the new account to access her email, without having to see any of the spam that's caught in the spa...
by snailderby
Sun May 17, 2020 9:24 am
Forum: Investing - Theory, News & General
Topic: S&P500 vs World Performance
Replies: 130
Views: 7910

Re: S&P500 vs World Performance

helloyou, This is a frequently debated topic on these forums. I'm skeptical that much more can be said on this topic that hasn't already been said before. For a sampling, see https://www.bogleheads.org/forum/viewtopic.php?t=196956 (755 posts); https://www.bogleheads.org/forum/viewtopic.php?t=243785 ...
by snailderby
Sun May 17, 2020 9:07 am
Forum: Personal Investments
Topic: Is QQQ (Nasdaq100) better reflective of new economy
Replies: 60
Views: 3815

Re: Is QQQ (Nasdaq100) better reflective of new economy

- Isn't VTI more reflective of the current economy because it holds all (or almost all) the publicly-traded companies in the United States at market weight, rather than just a small fraction of them? - Maybe tech companies are the future. But how much of that has already been priced in? The question...
by snailderby
Mon May 11, 2020 7:33 am
Forum: Personal Investments
Topic: Illinois 529 Brightstart investment option & fees question
Replies: 9
Views: 541

Re: Illinois 529 Brightstart investment option & fees question

Welcome to the forum! Are you asking why the "Aggressive Age-Based Portfolio" has higher fees than the "Index Aggressive Age-Based Portfolio"? Or are you looking for advice on which option to choose?
by snailderby
Mon May 11, 2020 7:27 am
Forum: Personal Investments
Topic: Vanguard 2-3 fund portfolio - Which versions of funds are the cheapest/best?
Replies: 30
Views: 2227

Re: Vanguard 2-3 fund portfolio - Which versions of funds are the cheapest/best?

Welcome to the forum!
passive101 wrote:
Mon May 11, 2020 1:18 am
What are the pros and cons of using the mutual fund vs the ETF funds? If the ETF is the same but cheaper, why would anyone use the one that costs more? I feel like I'm not grasping something.
See https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds.
by snailderby
Tue Apr 28, 2020 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: [One stop shop with BoA / Merrill Edge]
Replies: 34
Views: 1982

Re: [One stop shop with BoA / Merrill Edge]

Like you said, BoA has brick-and-mortar locations that you can visit if that's ever necessary. But I prefer Fidelity's HSA and 529 accounts to BoA/Merrill's comparable offerings. And Merrill's CMA won't automatically liquidate money market funds for you to cover any overdrafts.
by snailderby
Tue Apr 28, 2020 7:18 am
Forum: Investing - Theory, News & General
Topic: Next 30 Years for Ray Dalio’s All Weather Portfolio?
Replies: 68
Views: 9598

Re: Next 30 Years for Ray Dalio’s All Weather Portfolio?

Any thoughts on DBC (Invesco DB Commodity Index Tracking Fund) vs. PDBC (Invesco Optimum Yield Diversified Commodity Strategy No K-1 ETF) vs. BCI (Aberdeen Standard Bloomberg All Commodity Strategy K-1 Free ETF) for the commodity portion?
by snailderby
Mon Apr 27, 2020 2:14 pm
Forum: Personal Investments
Topic: AAPL MSFT GOOG AMZN ???
Replies: 85
Views: 6470

Re: AAPL MSFT GOOG AMZN ???

Welcome to the forum! When I retire in a year we will be embarking on the next upswing, and these four companies will be in the forefront of it. My feeling is those four stocks are at the forefront of the changing economy and one will always be a stand out. This year it was AMZN, the year before App...
by snailderby
Mon Apr 27, 2020 8:26 am
Forum: Personal Investments
Topic: Thoughts on buy and hold strategy
Replies: 57
Views: 2632

Re: Thoughts on buy and hold strategy

1. Many of us don't think beating the market by picking individual stocks is that easy, especially if we don't know anything that professional day traders and mutual fund managers don't already know. Here are a few quotes from a 2017 Reuters article : If you want to be a stock picker, you had better...
by snailderby
Wed Apr 22, 2020 7:27 am
Forum: Personal Investments
Topic: Best S&P 500 ETF IVV vs VOO
Replies: 20
Views: 1470

Re: Best S&P 500 ETF IVV vs VOO

What are everyone’s thoughts on owning both vti and voo together 50/50? The funds have had almost identical performance. I suggest just using Vanguard Total Stock Market ETF (VTI) by iself, because a little more diversified. +1. Holding both funds seems unnecessary to me. Either fund is fine by its...
by snailderby
Wed Apr 22, 2020 7:21 am
Forum: Personal Investments
Topic: Asset Allocation: 5 years later
Replies: 9
Views: 993

Re: Asset Allocation: 5 years later

You're right. Asset allocation doesn't have to be super complicated. My 401k allocation is 90/10 equities/bonds (Vanguard Growth Index Institutional/Vanguard Total Bond Market Idx InstlPIs). Do you have a non-growth-tilted alternative in your 401(k)? I'm not exactly sure what you mean by that. I ca...
by snailderby
Tue Apr 21, 2020 2:54 pm
Forum: Personal Investments
Topic: Best S&P 500 ETF IVV vs VOO
Replies: 20
Views: 1470

Re: Best S&P 500 ETF IVV vs VOO

I have been researching the best S&P 500 ETF available and have narrowed it down to IVV - Ishares core S&P 500 ETF or VOO - Vanguard 500 ETF. I see that the dividend yield is different between the two even though the returns have been nearly identical. Is VOO generally considered the best choice fo...
by snailderby
Tue Apr 21, 2020 2:50 pm
Forum: Personal Investments
Topic: Asset Allocation: 5 years later
Replies: 9
Views: 993

Re: Asset Allocation: 5 years later

You're right. Asset allocation doesn't have to be super complicated.
sizzlefuzz wrote:
Tue Apr 21, 2020 7:27 am
My 401k allocation is 90/10 equities/bonds (Vanguard Growth Index Institutional/Vanguard Total Bond Market Idx InstlPIs).
Do you have a non-growth-tilted alternative in your 401(k)?
by snailderby
Wed Feb 26, 2020 10:55 am
Forum: Investing - Theory, News & General
Topic: Merrill vs Fidelity - Where to buy TSM Mutual Fund ?
Replies: 12
Views: 962

Re: Merrill vs Fidelity - Where to buy TSM Mutual Fund ?

VTSAX should be more tax-efficient than FSKAX in a taxable account, if you are dead set on using mutual funds instead of ETFs.
by snailderby
Tue Feb 25, 2020 3:52 pm
Forum: Personal Investments
Topic: 38 yr old having 2nd thoughts...
Replies: 93
Views: 10748

Re: 38 yr old having 2nd thoughts...

It's your call. 75/25 sounds reasonable for your age. 100/0 is also defensible, if on the aggressive size.
by snailderby
Tue Feb 25, 2020 12:12 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 10
Views: 1043

Re: Portfolio Review

Roth vs. traditional aside, what are the fund options in your 401(k)?
by snailderby
Tue Feb 25, 2020 10:20 am
Forum: Personal Investments
Topic: Find a list of the best performing index funds
Replies: 35
Views: 2984

Re: Find a list of the best performing index funds

If I invest in the following: VTSAX (Vanguard Total Stock) VTIAX (Vanguard Total International) VBTLX (Vanguard Bond Marker) These are all Mutual Funds, is there an ETF equivalent for these funds? Do you recommend using the mutual fund or an ETF and why? Thank you. Richard The ETF equivalents are V...
by snailderby
Mon Feb 24, 2020 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1584
Views: 217485

Re: Fidelity as a one stop shop

So, if one has enough assets (I am not sure how much though - can someone clarify?), one does not need the CMA. Everything a CMA does can be done via a brokerage account. Is all of this correct? A brokerage account also has a debit card? Any reason to open two brokerage accounts for fraud purposes ...
by snailderby
Mon Feb 24, 2020 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity 529 Plan New Hampshre
Replies: 16
Views: 1063

Re: Fidelity 529 Plan New Hampshre

It looks like a major issue with the Fidelity plans is there isn't a good Total Bond option - am I right? The best option I see is their "conservative" static portfolio, but even that is 45% bonds and 55% money market. This is kind of a big drawback in my opinion as it makes hard to create your own...
by snailderby
Mon Feb 24, 2020 8:58 am
Forum: Investing - Theory, News & General
Topic: "Researchers Compared Vanguard And Fidelity Funds. Here's What They Found"
Replies: 41
Views: 4613

Re: "Researchers Compared Vanguard And Fidelity Funds. Here's What They Found"

The referenced study compared 10 regular index funds and 11 sector funds from each firm. If you exclude the sector funds, Vanguard squeaks ahead in the number of funds with higher tracking precision. VFIAX 0.01% - FXAIX 0.00% VEXAX 0.05% - FSMAX 0.06% VTSAX 0.01% - FSKAX 0.02% VIGAX 0.03% - FSPGX N/...
by snailderby
Sun Feb 23, 2020 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 529 Plan New Hampshre
Replies: 16
Views: 1063

Re: Fidelity 529 Plan New Hampshre

As far as why to use the NH plan, most 529 plan providers use a state plan that does not have additional state tax implications as their "national" plan. For Fidelity, this is NH. If you live in a state where there is no tax benefit to opening one in your own state, then you may want to evaluate th...
by snailderby
Sun Feb 23, 2020 10:45 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: Intuit Near Deal to Buy Credit Karma for $7 Billion
Replies: 7
Views: 1405

Re: WSJ: Intuit Near Deal to Buy Credit Karma for $7 Billion

I haven't used Credit Karma's tax software, but I believe they are currently one of the few companies that offer free credit monitoring.
by snailderby
Sun Feb 23, 2020 9:58 am
Forum: Personal Investments
Topic: Need some help on my portfolio
Replies: 3
Views: 404

Re: Need some help on my portfolio

a. These funds in your 401k look good: VANG INST 500 IDX TR VANG INST EXT MKT ACWI EX-US IMI INDEX VANG INST TOT BD IDX b. See this article in the wiki on tax efficient find placement: https://www.bogleheads.org/wiki/Tax-efficient_fund_placement. In general, the advice is to place bonds in tax defer...
by snailderby
Sun Feb 23, 2020 9:45 am
Forum: Personal Investments
Topic: Index Funds vs ETF's for Taxable Account
Replies: 7
Views: 707

Re: Index Funds vs ETF's for Taxable Account

Welcome to the forum! 1. The ETFs you mentioned (VTI and VXUS) are index funds. 2. ETFs are generally more tax efficient than mutual funds in taxable accounts, but Vanguard has a patent that lets some of their mutual funds share the tax advantages of their ETFs. See https://www.bloomberg.com/graphic...
by snailderby
Sat Feb 22, 2020 8:01 pm
Forum: Personal Consumer Issues
Topic: Protection Against Home Intruders
Replies: 387
Views: 27222

Re: Protection Against Home Intruders

This is a crazy thread going in different directions. 30 years of powerlifting competing - 450 bench press in competition, 365 lb seated shoulder presses, 200 lb tricep pushdowns and barbell curls, toyed with squat and deadlifts over 600 plus pounds. I was very fortunate as I had an amazing teacher...
by snailderby
Sat Feb 22, 2020 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Under the new FICO 10 credit score rules, personal lines of credit will be viewed as negative
Replies: 9
Views: 1312

Re: Under the new credit score rules FICO 10 personal lines of credit will be viewed as negative.

Thanks for the link. Are we still waiting to hear when this new scoring formula will go into effect this year?
by snailderby
Sat Feb 22, 2020 7:51 pm
Forum: Personal Investments
Topic: Vanguard extended market index VEXAX
Replies: 25
Views: 1575

Re: Vanguard extended market index VEXAX

nisiprius wrote:
Sat Feb 22, 2020 9:42 am
I really like that picture too, nisiprius! It's easy to forget that extended market/completion funds also hold some large cap stocks that are not part of the S&P 500.
by snailderby
Sat Feb 22, 2020 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 529 Plan New Hampshre
Replies: 16
Views: 1063

Re: Fidelity 529 Plan New Hampshre

Could you please list the pros for using this plan? I'm in Texas (also non-income tax state), and use Fidelity for everything. Is there a benefit of picking this plan instead of Texas one? The Texas 529 has higher fees, if I recall correctly. NH (Fidelity), NV (Vanguard), NY, IL, UT, and CA are sev...
by snailderby
Sat Feb 22, 2020 7:37 pm
Forum: Personal Investments
Topic: Fidelity vs Vanguard difference for taxable account?
Replies: 23
Views: 1928

Re: Fidelity vs Vanguard difference for taxable account?

For a taxable account, if you are comfortable with ETFs, you should just open a taxable account at Fidelity and keep it all under one roof to make your life easier. If you have to have mutual funds, then Vanguard is better because their index funds are more tax efficient (due to a patented dual mut...
by snailderby
Sat Feb 22, 2020 2:27 pm
Forum: Personal Investments
Topic: Portfolio Review
Replies: 9
Views: 770

Re: Portfolio Review

a. In your 401k, I'd consider: VFIAX VSMAX VTIAX VBILX or VFIUX b. Can you roll your wife's old 401k over to an IRA at Vanguard, Fidelity, Schwab, or TD Ameritrade? Then she can avoid paying that advisory fee. Unless you think she will get another job soon, in which case you could wait to see what o...
by snailderby
Sat Feb 22, 2020 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 529 Plan New Hampshre
Replies: 16
Views: 1063

Re: Fidelity 529 Plan New Hampshre

It's a great plan, especially if you already have your other accounts at Fidelity. Very low cost too.
by snailderby
Sat Feb 22, 2020 12:09 pm
Forum: Personal Consumer Issues
Topic: [Chromebook recommendation]
Replies: 39
Views: 2213

Re: [Chromebook recommendation]

Thanks for the replies y'all. Anyone know of a version with a keypad? Why the need for keypad? That's quite an unusual request. I didn't know they made them that way. There are already some peculiar changes to chrome keyboards one needs to adapt to. Anyway, if that's a requirement, your choices are...
by snailderby
Fri Feb 21, 2020 6:48 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1065
Views: 118313

Re: [Fidelity Health Savings Account Mega-Thread]

Here is another data point. It is an ongoing transfer that has not been completed. I am moving assets from Health Equity to Fidelity: 1/3 - Sold all my total market index fund at Health Equity 1/7 - HSA transfer request initiated with Fidelity. Expected transfer completion date 2/4/2020 1/7 - Calle...
by snailderby
Fri Feb 21, 2020 6:44 pm
Forum: Personal Consumer Issues
Topic: Renting townhome
Replies: 4
Views: 970

Re: Renting townhome

The Bigger Pockets forum (and guides) may be worth a look if you're thinking of getting into the rental business. See https://www.biggerpockets.com/guides.
by snailderby
Fri Feb 21, 2020 12:33 pm
Forum: Personal Investments
Topic: Saving for a Down Payment - Where Do I Keep My Money?
Replies: 1
Views: 258

Re: Saving for a Down Payment - Where Do I Keep My Money?

For money that you expect to need in 3 to 4 years, consider a CD, high-yield savings account, money market fund, or short-term bond fund.
by snailderby
Fri Feb 21, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: How much should a college student save for when he graduates?
Replies: 14
Views: 1140

Re: How much should a college student save for when he graduates?

Are you asking how much you need to save before you can afford a $1300/month apartment on a $40K-$50K salary?
by snailderby
Fri Feb 21, 2020 9:41 am
Forum: Personal Investments
Topic: Changing Health Savings Account?
Replies: 11
Views: 636

Re: Changing Health Savings Account?

Like sycamore said, Fidelity doesn't charge an annual account maintenance fee or an extra fee to invest your HSA funds. The other HSA that I've heard good things about is Lively. Both should have lower fees than your current HSA.
by snailderby
Thu Feb 20, 2020 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1584
Views: 217485

Re: Fidelity as a one stop shop

Is this an accurate summary of the three ways you can use a Fidelity CMA? Option 1: Open a CMA. Use it like a checking account. The default sweep currently earns 0.82%. Option 2: Open a CMA. Every time you deposit money into the CMA, use that money to manually buy a money market fund. Spend money fr...
by snailderby
Thu Feb 20, 2020 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Accounts for Cash?
Replies: 52
Views: 3943

Re: How Many Accounts for Cash?

We have one checking account that we actively use. It's a rewards checking account that pays 4% APY if you jump through certain hoops (at least 1 direct deposit + 15 debit card transactions of $5 or more per month). But we also have a back-up account at a brick and mortar bank, in case we ever need ...
by snailderby
Thu Feb 20, 2020 11:10 am
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 211
Views: 39110

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

I found out that the preferred rewards multiplier is only for the base 1%. My bad. It sounds like I misunderstood your initial question. You're right. The Preferred Rewards program applies to the NCL World Mastercard, but for that particular card, the Preferred Rewards bonus is only "applied to the...
by snailderby
Thu Feb 20, 2020 10:46 am
Forum: Personal Investments
Topic: Paul Merriman "Ultimate buy-and-hold" VS. 3 Fund
Replies: 62
Views: 5009

Re: Paul Merriman "Ultimate buy-and-hold" VS. 3 Fund

Would you stick with a small-cap value tilt even if it underperformed the total stock market for a decade? According to Eugene Fama and Kenneth French: “Negative equity premiums and negative premiums of value and small stock returns relative to market are commonplace for three- to five-year periods,...
by snailderby
Thu Feb 20, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"
Replies: 211
Views: 39110

Re: "Bank Of America Cash Rewards Card Now Lets You Choose Your 3%(=5.25%) Category"

Does anybody know if the preferred rewards multiplier works like that for all cards? I have the BoA Norwegian cruise line card that is 3 pts /$ and my last purchase from NCL was only given a total of 3.75 pts/$. Granted, there is no cap on my NCL spend like there is for the cash card at $2.5k /quar...
by snailderby
Wed Feb 19, 2020 3:00 pm
Forum: Personal Investments
Topic: Help Learning About Investing
Replies: 52
Views: 2056

Re: Help Learning About Investing

1. Contribute just enough to your 401(k) to get the full employer match. 2. Focus on reducing your spending and paying off these debts ASAP: $20K at 12.99% $45K at 10.00% $04K at 06.30% $95K at 06.00% 3. See if you can consolidate some of these loans at a lower interest rate. 4. After you've paid of...
by snailderby
Wed Feb 19, 2020 2:38 pm
Forum: Personal Investments
Topic: Switch to a different ETF from VTI?
Replies: 19
Views: 1454

Re: Switch to a different ETF from VTI?

Yes I am considering performance chasing. Thinking that I have a decade or two before thinking of retiring that I should have indexes that should be able to perform at a higher standard for a higher future portfolio total . Do I think that the biggest 112 stocks outperform the rest? Didn't think of...
by snailderby
Wed Feb 19, 2020 1:02 pm
Forum: Personal Investments
Topic: Switch to a different ETF from VTI?
Replies: 19
Views: 1454

Re: Switch to a different ETF from VTI?

Yes I am considering performance chasing. Thinking that I have a decade or two before thinking of retiring that I should have indexes that should be able to perform at a higher standard for a higher future portfolio total . Do I think that the biggest 112 stocks outperform the rest? Didn't think of...
by snailderby
Tue Feb 18, 2020 8:30 pm
Forum: Personal Investments
Topic: Can we simply adopt Buffet's portfolio?
Replies: 12
Views: 1354

Re: Can we simply adopt Buffet's portfolio?

By Warren Buffett's portfolio, do you mean Berkshire Hathaway's holdings or the two-fund portfolio that he has recommended/set up for his wife after he passes?

And by Ray Dalio's portfolio, do you mean his hedge fund's investments or his All Weather portfolio?
by snailderby
Tue Feb 18, 2020 8:27 pm
Forum: Personal Investments
Topic: Portfolio Questions
Replies: 10
Views: 704

Re: Portfolio Questions

So you can pay 0.28% + a few basis points to use the self directed option and invest in a few low cost funds at Vanguard or Fidelity OR pay 0.40% + 0.58% to invest in the Transamerica Partners fund?
by snailderby
Tue Feb 18, 2020 3:37 pm
Forum: Investing - Theory, News & General
Topic: Dividing Your Investments Among Several Companies for Security Reasons
Replies: 16
Views: 2091

Re: Dividing Your Investments Among Several Companies for Security Reasons

This is a recurring question on this forum. Here is a sampling of a few past threads on this topic: https://www.bogleheads.org/forum/viewtopic.php?t=296646 (33 posts) https://www.bogleheads.org/forum/viewtopic.php?t=287682 (24 posts) https://www.bogleheads.org/forum/viewtopic.php?t=278553 (19 posts)...
by snailderby
Tue Feb 18, 2020 3:03 pm
Forum: Personal Investments
Topic: Small Cap Value
Replies: 13
Views: 1735

Re: Small Cap Value

VBR is a low-cost, mid- to small-cap value fund. IVOV/SLYV/IJS is also worth considering, if you want a stronger size tilt and a profitability screen to go with your value tilt.